USAA Credit Card

I have been with USAA for about 40 years as a customer of auto, home, and life insurance, auto loans, and credit cards. On a few occasions, one very recently, I have disputed charges on my card. Except for this most recent one which is now in the hands of the state attorney general, I have prevailed in every case. However, it almost seemed like I had to fight both the vendor and USAA. This recent case involves a restaurant gift card.

I was near maxing out my credit card because of a large unexpected expense. I had excellent credit, so instead of paying it off monthly, I decided to pay it off in one large sum with a withdrawal of $10k from my 401k (so that it wouldn’t hurt my credit). This obviously cost me upfront (taxes/penalty) and in the long run (less to retire on), but I figured I’d just use the cc for everyday purchases, continue to pay it monthly, collect rewards, and keep my excellent credit (as I am looking to purchase a home)—so it would be worth it in the end. But immediately after, USAA notifies me that they are lowering my credit limit all the way down to my remaining balance. So that I am then maxed out again!!! I called to explain what I did and why, and they said they feel it is in the best interest of USAA, so they will not be reversing their decision!!

I recently contacted USAA to remove myself from my ex-wife’s credit card accounts, which are in her name and SSN (I’m just an authorized user). I was told you cannot do it without her contacting you or the representative recommended hiring a lawyer if she won’t remove me. Are you kidding? The card were opened with her SSN, in her name.

I've read below in another complaint the same message I got on my credit card, "Someone got your card info probably on the internet". Yea right! CLEARLY YOU WERE HACKED, fix your damn system or get better hacker software, now I have to wait for a credit card because of USAA. GREAT JOB! Oh, and another boldface lie! You can't just tell people your system got hacked?? Another lawsuit waiting to happen! Hahaha Jesus Christ. Bye USAA.

I transferred a balance to my USAA card that offered zero interest for a year. I have been consistently paying well over what a minimum payment would be because they said I had no payment due. Come to find out, they do not apply overpayments to the balance on the credit card...they take your overpayment and do a “pay ahead program” just in case you ever need to skip a payment. What?!? My balance never goes down. I spent over 20 minutes on the phone arguing this and they finally unenrolled me from the program so that I can start working on paying the balance down. SOOO frustrating. By the way, if your statement says no minimum payment due on the first page, go to page three for real information.

I have used USAA credit card for years. Though not a lot of perks they were trustworthy. My life cycled with them throughout the year. I never had minimum payments or bogus late fees. I would pay my balances off during the year, but we all know that life happens when we make our plans. When necessary I didn’t hesitate to use this card over sneaky other cards. When I have charges on a card I always make monthly or bimonthly payments. January 2019 I was shy $15 on my payment which was unknown to myself.

I became behind on loan I took out because I became unemployed. When I finally got a job I called to negotiate a payment plan. I created a plan that would allow me to become current in 2 months and scheduled my first payment for 2 days after the plan was made. That same day, my loan was charged off. The only reason I found out is when I went to check if the payment was taken out and my account didn’t show the loan. When I called to ask, they said the payment was already being processed. And that’s when they also told me it had been charged off. I am perfectly ok with honoring my debt, but getting the debt written off and collecting payment seems completely unethical.

Just got off the phone with another "Customer Service representative." Nice man but absolutely powerless to do anything but apologize and repeat their "policies." My issue is with a checking account. I had a small negative balance of $47 dollars on that they immediately charged off. Mistake of Mistakes. One of my commission checks erroneously was sent to that charged off account. Instead of sending the money back since the account is no longer open, they kept. Not only that they reported that they received the money a day after they actually got.

When I tried setting up a USAA payment online, a confirmation number wasn't given after completing initial setup. The second time through, the payment setup was confirmed for a future date. A week later, I noticed a NSF charge for a second payment. I called NSAA's customer service line to see if I could rectify this situation. The man I spoke with seemed sympathetic, but I realized he was giving me a double talk routine. It sounded like they would stop trying to collect the second payment. He even said he would call my bank to explain the matter to them, to stop payment processing.

USAA accidentally tried to pay our bill from an old bank account that had been deleted from our profile about a year ago. By the time they got their mistake figured out and corrected (with our help of course), the payment due date had passed. They charged us $46.33 in finance charges and $22 in late fees! We got them to refund the late fee but they will not refund the $46 in finance charges. We guess this is how they make money off of clients who pay their bills in full every month. They create a problem and then charge the client for USAA's error! And the customer service people were rude and completely uncaring. They really don't care. We are closing our account there and recommend to anyone thinking of this card to look elsewhere. Thanks for your service indeed. Instead they should say, "Thanks for letting us lie and fleece you." Not anymore. We have perfect credit and they treat us like this. No longer...

I'm not trusting these guys anymore. I pay off my entire balance every 15 days (every paycheck), As soon as I pay it says "$0 balance." The next pay period, they said my balance was $2,000! There is no way I spent $2K in 15 days! And I've been noticing the same for years! How can my bill be so large every month and we barely spend any money! So I manually added up all my expenses, (because their statements do not include a balance after each transaction) and it turns out I had accumulated only $800 or so in expenses! Where did the extra $1,200 come from?!?! I'm getting rid of these guys!

About a month ago I noticed in my Bank of America checking account (not a USAA bank account) that my entire balance due to USAA Bank of $6,300 on my credit card was debited by USAA. Note, I never authorized this. It was all the money I had to pay bills, mortgage, etc. I immediately checked my USAA Credit Card account and sure enough I had a zero balance. What followed was weeks of calls to USAA bank each time asking that they reverse this and return my money. Each call assured me that the reverse was forth coming. When I never got the money I was told they would send me a check. TWO people told me this and I even verified my address for them. So I held on, waiting.

WARNING TO FELLOW VETERANS. Stay Away from USAA. They are not interested in helping you as a Active Duty Member or a veteran. They are a Nefarious bank that preys and exploits the "guaranteed" money that is the military community. DO not be fooled by their advertisements. I have had this credit card and dealt with the rude and smug customer support team. They are often snarky and tell you that they can't help you because the department you need is out of the office. Many of these people are not veterans.

Around 2007-08, when the economy had be wrecked by the Great Recession, I became financially vulnerable. This is also when USAA abandoned me. Prior to the recession, I had acquired a USAA credit card at 4.25% fixed. When the recession hit, I used this card as my safety net. While this was a tricky situation, it was manageable. Then, one day in 2008, after historically paying all my bills on time, I received a letter from my USAA credit card. It informed me that my fixed rate would be increasing to 16%. Since this was not the original terms of my card member agreement, I was offered the option to decline the increase and close my account. I chose to close my account, so that I could continue to pay down the balance at 4.25%.

I live in England and was unable to make a local online purchase because USAA could not send me a verification code. Their mobile app was down (which is where they sent the verification code), so I called a customer service agent who tried to give a pre-authorization but was perplexed that I would try to purchase something in a currency besides US dollars and was unable to come up with an appropriate conversion. Then she informed me that the pre-authorization wouldn't even count as the verification and I still needed the code. It seems that they have created a security system that is smarter than they are.

Just to post a comment in support of us "liars" according to Mr. USAA below. I have been a member for 26 years and counting. I am currently disabled and live on a very tight income like the majority of us "liars". I occasionally have to use my USAA card to cover major expenses over the years because the interest rate is good compared to others. Recently being a good customer and not a "liar" I paid down a large portion of my balance which I didn't have to do only because I want to strengthen my credit score for a refinance. What did they do? They cut my credit limit almost 50% and caused my score to dip considerably. After Pearl Harboring them on Facebook with their consumer ratings from this site they had a worker bee from the Office of the CEO call me to discuss.

I cannot believe all the negative comments that people have written about the USAA Visa Credit Card. I truly believe they are all liars. I got a USAA credit card several years ago with a $1500.00 credit limit. Please note that EVERY month I always paid at least 2 or 3 times the minimum payment. Every 6 months, USAA increased my credit limit by $500.00 until it reached $3,500.00. After approximately 2 years, they increased my credit limit by $10,000.00 to $13,500.00. Folks, all you have to do is pay more than the minimum payment and make your payment BEFORE the due date. I guess if I started missing payments, I would be one of those people that USAA "screwed" over.

I work hard to make payments on my American Express card with USAA. As soon as payment is posted they turn around and charge interest the same day almost making it impossible to pay off! I wouldnt recommend opening a card with them.

Last month I used my Secured Visa card, charging something for $21. It's only the 3rd time I used it. Recently I subscribed also to myFico.com. That's when I noticed that all 3 of my credit scored dropped 2-5 points. The reason given: My debt increased by $21. This was reported even though I pay off the complete balance each statement well before the due date. Maybe this is reported because it's a 'Secured' card'? I only got the card because I was thinking of financing a new car and getting insurance thru USAA. Now there's no way. I'm calling to close my account but based on other reviews I've read, it might take time and I'll need to be very clear and aggressive to get it done. I'm a vet from a family of vets. Terrible that they hurt my credit score. Worth another dip to end this card.

Apparently the marketing department and customer service of USAA credit card services do not value the veteran status. The credit card offers are sent to the member and any person that has applied for the USAA benefits even if denied. I applied under our member login but the offer that was emailed directly to me (I'm not the veteran) for zero interest and balance transfer was not applied to the account even though it was discussed on multiple occasions. Elevated the issue to three levels with no satisfaction. DO NOT APPLY FOR ANY CARD WITH USAA - they will find a way to screw it up. It's a legalized SCAM.

Do NOT do business with these crooks. The credit card department of USAA is the worst. It took 4 calls to simply close my Visa account with USAA. The people are incompetent, rude, hateful and overall useless.

My identity was stolen last week, somehow the people involved were able to transfer my telephone number to another carrier and then started setting up mobile transfers using the Zelle App with USAA. I didn't notice until my card was declined twice at two different stores. I tried to login to my USAA account, but it said that my account was locked due to security reasons. My wife called them to see what was going on while I was on another phone talking to my cell provider to see what happened on their end, the customer service rep in the fraud department told my wife that they needed to speak with me and to have me call at any time to get this matter sorted out. I got off the phone with my cell provider an hour later and called USAA back.

Have not used the rewards yet, it takes forever to accumulate enough points to use. When I do use them it will probably be for a very short flight to someplace I do not want to go.

I have never dealt with a company that gets more things wrong and treats me as horribly than this company (and that's a lot of companies). I am a physician and know how to treat people well. They have stolen from me and NEVER FOLLOW THROUGH, so it's impossible to resolve anything. Stay far clear of this gang.

We recently changed to USAA car insurance. We opened an USAA credit card with them at the same time to receive a $10 discount. We had two cars and a month and a half into it, we sold the second car. I contacted them immediately to drop the second car, which they did. There was quite a bit of confusion with the monthly billing. I spend hours on the phone. I thought I had paid what I should have and it turns out that I was confused and did not pay what I was supposed to. It was a red flag in the beginning that they were charging 27.9% interest and we have good credit!

After noticing my check hadn't cleared I called seven days and explained checked was mailed March 20th. I called April 1st and paid with bank card. April 2nd they maliciously reduced my card limit from $3500 - $3000. I haven't NEVER been late and HAVEN'T used card in over (TWO YEARS). They treat good bill paying veterans like crap!

Two years ago, I received my USAA credit card, with a credit limit of 13k. I was so happy; I could now start fixing up my house and wouldn't need a loan. With that high a limit, I also figured my credit score (due to "credit utilization ratio") would increase. My first project, the kitchen, cost 11k. I paid back 1k a month until it was near paid off and then started another project. Back up to almost 11k, again I was paying 1k a month, until it was down to about 6k, I paid $700.00 per month (I got injured at work and was on workman's comp for 10 months). Never a late payment, always well above the minimum.

Please people "DO NOT" get a credit card with this Bank! They charge 27.99 % every month, not annually. They are just as bad as a payday lender. Your payments continue to go up even if you don't use the card! They come on TV as if they are a savior of veterans when actually they are taking advantage of them. I will be turning them over to the state attorney general here in Ohio. This company is based outta Las Vegas, NV. Please don't get involved with these loan sharks and criminals. They should be charged under the RICO statute for running a criminal enterprise!

I opened a secured credit card which I used once and haven't used in the past year. I was billed an annual fee and when I called to have that cancelled and the card closed, they refused to drop the $35 fee. So, considering it's a fee going forward and not a fee that covered you for the past year, this is wrong. Closed my account and CD with them and had them take the monies out of the CD. Time on hold and transfers to three people.

When recently traveling, I used the credit card to purchase currency for the trip. They consider that a cash advance and charged a cash advance fee, then the bill comes and they have charged interest on the cash advance because I didn't pay it immediately. I paid the card off in full after complaining and hearing they can do nothing about the charge and guess what? I got another interest charge the next month, what for you might ask, because one, get it ONE, charge was made after the bill drop and for $20 at that, so that means they can carry over the cash advance and charge interest AGAIN.